Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast
Photo 1 / 86
Active

Active·46 days on market

12716 Tradition Drive

Dade City, FL 33525

$1,190,000$275/sqftEst. $6,591/moMLS# 2162576
6
Beds
4
Baths
4,335
Sq Ft
2000
Built
3
Garage
Yes
Pool
FEMA Zone XHOA $114/moSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Dade City

Experience refined Florida living in this beautifully updated 6-bedroom, 4-bath estate with a 3-car garage, ideally situated on a private 3/4-acre homesite on the 10th hole of the South Course in the exclusive Estates of Lake Jovita. From the moment you arrive, you'll appreciate the home's timeless curb appeal, welcoming entrance, bright and open interior filled with natural light, soaring tray ceiling, and a thoughtfully designed split floor plan that perfectly balances elegance, comfort, and privacy. At the heart of the home, the gourmet chef's kitchen showcases stunning leathered granite countertops, new Thermador stainless steel appliances and abundant custom cabinetry and a spacious dinette area surrounding by windows overlooking the pool. The custom walk-in pantry has storage galore with cabinets, butcherblock countertop and shelving to the ceiling. Everything flows effortlessly into the expansive family room and custom library, highlighted by custom built-in shelving

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$6,591
HOAbilled quarterly$114
Estimated total, before insurance$6,705/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,900/yr · $742/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,190,000
$238,000
Loan Term
Monthly Payment
$6,591
Principal & Interest: $6,591
Insurance (est.): $793
Estimated Total Monthly
$7,385
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes vary by county; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Concrete — year not disclosed (home built 2000)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer · Pasco County Utilities service address · Public water · Pasco County Utilities water lateral intersects parcel

County records show this parcel on central sewer served by Pasco County Utilities service address — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,706 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of August 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,900/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Aug 29, 2026Listed$1,190,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,190,000
Price / Sq Ft$275
Bedrooms6
Bathrooms4.00
Full Baths4
Square Footage4,335
Year Built2000
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure
Is WaterfrontNo

School Information

ElementaryOther
MiddleOther
HighOther

Community Information

Address12716 Tradition Drive, Dade City, FL 33525
Area993-Out Of Area-South
SubdivisionMetes & Bounds
CityDade City
CountyPasco
StateFL
Zip Code33525
Parcel Number06-25-21-0020-00000-2420

Amenities

AmenitiesDog Park, Fitness Center, Pickleball, Tennis Court(s)
UtilitiesCable Available, Electricity Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewGolf Course

Interior

Interior FeaturesKitchen Island, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Range, Microwave, Refrigerator, Washer, Wine Cooler
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Tile, Wood
# of Stories2
LevelsTwo

Exterior

RoofConcrete
ConstructionBlock, Concrete, Stucco

Additional Information

Date ListedAugust 29, 2026
Days on Market18
HOA Fees$342 / Quarterly
HOA FrequencyQuarterly
Tax Amount$8,900
Tax Year2025
Listing TermsCash, Conventional, FHA, Owner May Carry, USDA Loan, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LISTWITHFREEDOM.COM

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines